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Diamond Springs Auto Insurance 2025

Historic Gold Rush town with rates up to $1158 below Sacramento
Sierra Nevada Foothills Elevation 1,770 ft Population Pop. 11,000
$1,742
Avg. Full Coverage
31%
Below State Avg
32min
Avg. Commute
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$1,742 Avg. Annual Full Coverage
$145 Monthly Premium (Clean Record)
31% Below CA Average
$72 Monthly Liability Only
32 min Average Commute Time
Excellent News for Diamond Springs Residents!
Diamond Springs's auto insurance rates are 31% below CA average of $2,532/year. With comprehensive coverage averaging just $1,742 annually, you're saving $790/year compared to the typical CA driver.

Diamond Springs Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $790/year with smart coverage.

Weather & Environmental Risk Factors

High Risk Level — High (dense oak and pine vegetation)

Foothills climate with hot, dry summers and wet winters. High wildfire risk; frequent smoke events. Occasional snow above 2,000 ft. Annual rainfall 38 inches.

Annual Weather Data

Thunderstorm Days 10 per year
Annual Rainfall 38 inches
Annual Snowfall 12 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • Diamond Springs
  • Missouri Flat
  • Pleasant Valley

Peak Risk Months

Flood Risk:

January February March

Wildfire Risk:

July August September October

Common Weather-Related Claims

Wildfire smoke damage to paint and interior (comprehensive)

Coverage: Comprehensive

Hydroplaning on wet US-50 curves

Coverage: Collision

Hail or falling oak branches

Coverage: Comprehensive

Snow/ice damage on higher elevation roads

Coverage: Collision

Flooded undercarriage in low-lying areas

Coverage: Comprehensive

Ash accumulation on HVAC filters

Coverage: Comprehensive

Weather Driving Safety Advice

Winter Preparation

  • Equip snow tires for winter (Nov–Mar)
  • Monitor Caltrans for chain controls on US-50
  • Avoid driving in heavy smoke; use recirculation mode

Wildfire Season

  • Increase following distance in rain to 5+ seconds
  • Keep wildfire evacuation go-bag in vehicle
  • Check tire pressure in extreme heat

General Safety

  • Use headlights in smoke or fog
Data Sources: NOAA NWS Sacramento, CAL FIRE 2025, El Dorado County OEM

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Accident Risk Analysis

Low-Moderate Risk Level — At-fault accident rate...

Low population density but rural roads and US-50 commuter traffic increase risk. At-fault rate ~11% (below national 12%). Deer and run-off-road incidents common.

Key Statistics

At-Fault Rate (Diamond Springs) 11%
National Average 12%
Commuter-Related Crashes 25%
Tourist-Related Crashes 18%

Premium Impact

Monthly Liability (Clean Record) $72
Monthly Full Coverage (Clean) $145
Annual Full Coverage $1,742
Savings vs. CA Average 31% lower

Common Accident Types

Deer collisions on rural roads (dusk/dawn)

Run-off-road on winding CA-49

Rear-end collisions at US-50 on-ramps

Intersection crashes at Missouri Flat Rd

Single-vehicle rollover on steep grades

High-Risk Intersections

Drive with Extra Caution at These Locations:

US-50 & Missouri Flat Rd

CA-49 & Pleasant Valley Rd

Pleasant Valley Rd & Diamond Rd

Peak Accident Months

October November December
Data Sources: CHP SWITRS 2023–2025, El Dorado County Sheriff, Caltrans PeMS

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Theft & Property Crime Risk

Low Risk Level — Motor vehicle theft rate...

Low crime area. Property crime rate 8.5 per 1,000 (below national 9.3). Motor vehicle theft 1.2 per 1,000 (lowest in region).

Crime Statistics

Motor Vehicle Theft Rate 1.2 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 8.5 per 1,000
Burglary Rate 260 per 100,000
Violent Crime Rate 2.9 per 1,000
Theft Increase (2023-2025) +5%

Most Stolen Vehicles in Diamond Springs

  1. Ford F-150
  2. Chevy Silverado
  3. Toyota Tacoma
  4. Honda CR-V

High Theft Zones

Exercise Extra Caution in These Areas:

Missouri Flat Rd commercial lots

US-50 rest areas

Residential driveways (rural)

Recommended Anti-Theft Measures

Garage parking (highly effective)

Motion-sensor lighting

Remove valuables from sight

Steering wheel lock for work trucks

GPS tracking for high-value vehicles

Data Sources: El Dorado County Sheriff 2024, FBI UCR 2023, NICB 2025

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Seasonal Driving Risks in Diamond Springs

❄️

Winter

Snow on US-50, black ice, chain controls

🌸

Spring

Rockslides, flooding near creeks

☀️

Summer

Wildfire smoke, extreme heat

🍂

Fall

Deer activity, early darkness

🍂

Source

CAL FIRE, NWS Sacramento

Source: CAL FIRE, NWS Sacramento

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Claims Trends & Payouts in Diamond Springs

Claim Distribution

Comprehensive35%
Collision55%
Liability10%

Average Payouts

Comprehensive$4,800
Collision$6,200

Notable Trends

Smoke Damage Claims +210% (2023–2025)
Data Sources: III, CA DOI 2024

Local Driving Laws & Regulations in CA

Key California Laws

Hands-Free LawYes (CVC 23123)
Primary Seatbelt LawYes
Teen Driver RestrictionsProvisional license until 18; no passengers <20 for first year
DUI BAC Limit0.08%
Move Over LawYes

Local Enforcement

Red Light CamerasNo
Speed CamerasNo
Source: CA DMV, CHP, El Dorado County Code

Diamond Springs Location & Geography

Small historic Gold Rush-era community near Placerville, surrounded by oak woodlands and rolling foothills. Rural-residential with strong community ties.

City
Diamond Springs
State
CA (CA)
ZIP Codes
95619
County
El Dorado County
Region
Sierra Nevada Foothills
Population
11,000
Growth Rate (2020-2025)
0.3%
Land Area
16.7 sq miles
Population Density
659 per sq mi
Elevation
1,770 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Sacramento-Roseville-Folsom, CA MSA

Major Roadways

US-50

CA-49

Pleasant Valley Rd

Missouri Flat Rd

Insurance Cost Comparison

Coverage Type Diamond Springs Average California Average National Average Your Savings
Full Coverage $0/year $2,532/year $2,030/year 31% lower

Demographics & Driving Behavior

Median age 52 (older than U.S. 38.8); only 12% drivers 16–24. DUI rate 1.9 per 1,000 (lowest in region). Credit banned in CA.

Age Demographics

Median Age (Diamond Springs) 52
U.S. Median Age 38.8
Drivers Aged 16-24 12%

DUI & Violations

DUI Rate (Diamond Springs) 1.9 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +82%
Speeding (15+ mph) +22%
At-Fault Accident +40%

Frequently Asked Questions

Is credit score used in Diamond Springs?
No. California bans credit scoring per Prop 103.
Do I need comprehensive in Diamond Springs?
Yes — essential for wildfire smoke, hail, and deer.
Are there red light cameras?
No. Diamond Springs has no traffic cameras.
Cheapest insurance here?
Typically GEICO or Progressive for clean records.

Expert Recommendations for Diamond Springs Drivers

Coverage & Savings Tips

  • Fill out our quick quote form to receive a personalized rate for Diamond Springs, CA.
  • Bundle auto + home for up to 28% savings.
  • Mature drivers: Complete CA-approved course for extra discount.
  • Add comprehensive coverage for wildfire smoke and hail protection.
  • Maintain clean record to maximize good driver savings.
  • Avoid small claims under $800.
  • Get your free quote today — under 2 minutes.
  • Consider telematics for safe driving rewards — up to 40% off.

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Overall Risk Assessment

Low overall; 31% below CA average due to low density, low crime, and mature drivers. Elevated only by wildfire and rural roads. Annual full coverage $1,742 (vs CA avg $2,532).

Last Updated: 2025-11-07